Cigna has reps who work for them in Claims especially in STD and LTD who are paid bonuses for claims they deny. Most people accept denials and forget.
While some of us don't they use their legal puppets to manipulate you with form letters. My husband lost his health and job in Oct 2011. He was paying for premiums for STD and LTD. It was no problem getting the STD claim processed for payment for the time frame.
Once that stopped they only paid his LTD for a short period of time regardless he had a Pulmonary Specialist who stated he could never work again. They denied and cut off his check in Feb 2013. While there was an SSA Disability application in process it does take a long time for these to complete. Bottom line Cigna was afraid he would collect his LTD and then be awarded his SSA payments.
Today we are speaking with an attorney to SUE their A$$ off.
We came close to losing our home. Never mind the emotional distress we went through of eating peanut butter for over a year and having to go on food stamps.
Review about: Cigna Disability Insurance.
Reason of review: Problems with payment.